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Spendy Wendy to Saver Savvy

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  • rachmac3
    rachmac3 Posts: 476 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    Definitely good to rest, and listen to your body. I learned that the hard way.
    The personal goals/habits sound great. Make sure there's lots of lovely stuff in there too.

    Debts                 04/01/25        01/09/25   

    Tesco CC          £6,509.97       £5,930 (now NatWest2)
    NatWest CC      £7,612.74      £6,905
    Lloyds CC          £6,112.60      £4,943.12
    1st Direct CC     £176.03         £6.68
    CC total             £20,411.34   £17,784.80
    TSB OD             £500             £0
    1st Direct OD     £600             £250 (0%)
    Car loan             £4,000          £4,000
    1st Direct Loan  £10,684.44   £9,005
    Total                  £36,195.78   £30,789.80
    EF £500
  • dawnybabes
    dawnybabes Posts: 3,429 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I keep a big tub of crumble mix in the fridge to quickly make a pudding when I’ve the oven on. 
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Suffolk_lass
    Suffolk_lass Posts: 10,370 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I keep a big tub of crumble mix in the fridge to quickly make a pudding when I’ve the oven on. 
    Great minds @dawnybabes! I know I don't need to freeze it but that's where I put things like freshly grated parmesan, homemade panko breadcrumbs, and little squares of pate (for the dog to take his supposedly tasty flea and tick chewy thing in).

    On the subject of seasonal tiredness (in which I am a great believer!) Mr Sl remarked only yesterday that he is much sleepier, much earlier, both the last few autumnal days, and since his illness. So that justifies all the magnesium (potassium, zinc) supplement I am stuffing into him, right?!
    Save £12k in 2025 #2 I am at £9586.01 out of £6000 after August (158.45%)
    OS Grocery Challenge in 2025 I am at £2135.07/£3000 or 71.17% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • Spendywendywoo
    Spendywendywoo Posts: 258 Forumite
    100 Posts Photogenic Name Dropper
    edited 5 September at 9:22AM
    Thanks @rachmac3, I'm not very good at adding fun stuff other than when I've booked an holiday, I need to find what sparks my joy as I have lost my way a bit this last year. 

    @dawnbabes and @suffolk_lass - this is exactly how I want to operate but I find I struggle to think ahead like that (other than meal planning and I'm not a great cook but I am learning, which is crazy at my age...). @Suffolk_lass, sounds like the supplements are a good call - especially as the colder months are coming, I hope Mr SL is ok.

    I'm not sure if anyone else is having issues this morning but the site is very glitchy today so I'm hoping that the tags have worked properly
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £8,681.46, £3,562.14 remaining

    2025 goals:
    23 / 25 books
    2 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Happy Friday all!

    Feeling a little brighter this morning, I skipped exercise but opted to journal and do some mindfulness as yesterday was full on and I needed to reflect on a couple of frustrations (work). 

    I have done a very quick walk round this morning with the black bag and moved a couple of things to the donations box, I plan to do a little more this afternoon once I have finished work. 

    Spoke to the garage as the car needs a new part, they have confirmed they will order it and also confirmed that it is covered by the warranty so worth the time to discuss with them. Hopefully get it fixed in the next couple of weeks (more cosmetic than anything but as we are keeping the car we want to ensure that it is in tip top shape for when we do eventually trade it in). 

    I hope everyone has a great day :)
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £8,681.46, £3,562.14 remaining

    2025 goals:
    23 / 25 books
    2 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Yesterday was a very quiet day as I didn't feel too good, still not feeling great (chronic conditions, eh?)... but I managed a lie in this morning, I've also pottered and slowly but surely managed to;

    * Clean and declutter 2 kitchen drawers and 2 kitchen cupboards (utensils, tupperware, baking dishes and trays, and multiple drinks bottles that we have accumulated) - 2 bin bags worth in total now
    * Reset and deep clean the kitchen
    * Hoover the floor (no point mopping as DH is doing some home improvements atm and everything will be getting dusty this week)
    * Budget updated, surprisingly more money left for this time of the month so optimistic that we will have additional monies left for the car payment fund. 

    This afternoon I'm going to have a few hours reading my book and then it's home made burgers for tea (going to use the rest of the mince for meatballs this week). I've also the baking apples and some very ripe bananas to use so going to make a banana loaf and some apple crumble for this week. 

    Hope everyone is having a great weekend,
    Wendy x
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £8,681.46, £3,562.14 remaining

    2025 goals:
    23 / 25 books
    2 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
  • Oooo... I should also have mentioned that I've managed 2 lots of washing, one lot is drying in the dryer (which I haven't used for months but it is raining today) and I'll wash my towels a day early as we have free electricity this afternoon courtesy of Octopus Energy :)
    Mortgage (MFD 04/2053) (Jan 25) £238,983.71. Overpayment set to £200 per month. Current: £235,066.98
    Car Balloon Payment £12,243.60, due Nov 25. Saved £8,681.46, £3,562.14 remaining

    2025 goals:
    23 / 25 books
    2 / 24lbs lost
    £1000 / £1000 EF 

    DFW Diary: Spendy Wendy to Saver Savvy — MoneySavingExpert Forum
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